Every Pro on the Lula platform needs current Commercial General Liability (CGL) insurance. When you request a Certificate of Insurance (COI) from your insurance agent, use this checklist to make sure it has everything we need. A complete COI the first time means faster approval and no delays getting work.
Coverage requirement: CGL insurance on an occurrence basis with limits of at least $1,000,000 per occurrence and $1,000,000 general aggregate. Coverage must include premises-operations, products-completed operations, contractual liability, personal and advertising injury, and independent contractors.
đ Top of the Certificate
Date Issued: The certificate needs to be recently issued (within the past year).
Producer: Your insurance agency's name and full address.
Insured Name: The name listed (first and last name, or company name) needs to match the name on your Lula application.
Insured Address: The full address needs to match the address on your Lula application.
Agency Contact Information: Your insurance agency's contact name, phone number, and email.
đĄď¸ Middle of the Certificate
Commercial General Liability: This box needs to be checked.
Occur: The "Occur" box needs to be checked. Claims-made policies don't meet the requirement.
Policy Dates: Both the policy effective date and expiration date need to be listed, and the policy must be current (not expired).
Each Occurrence Limit: Coverage needs to be at least $1,000,000.
General Aggregate Limit: Coverage needs to be at least $1,000,000.
Additional Insured (ADDL INSD): This box needs to be checked to show Lula as an additional insured.
âď¸ Bottom of the Certificate
Description of Operations: This section should not list exclusions that affect the work you do with Lula. If your certificate lists exclusions, review them with your insurance agent to see if they can be removed.
Certificate Holder: Lula needs to be listed exactly as shown below.
Authorized Signature: The certificate needs to be signed by your insurance agent.
Certificate Holder (copy exactly) |
Lula Smarter Property Maintenance, Inc. |
* Send your agent this page or the example certificate below so they can match every item.
𤊠Bonus Tip: Forward this checklist to your insurance agent when you request your COI. Agents issue certificates all the time, and a clear list helps them get it right the first time.
đ Staying Compliant
Expiration reminders: Lula tracks your policy expiration date and sends you a notice 30 days before your policy expires.
Holds: If a new certificate isn't received by the expiration date, your account is automatically placed on hold. A hold is temporary. It stops new work from coming in but does not remove you from the platform, and it's lifted once updated documentation is received.
Need insurance? You can get a quote through our partner FoxQuilt at 888-878-4588 or sales-us@foxquilt.com.
Example COI:
